Credit union · NCUA insured
Health Advantage Credit Union
Top CarrotA $179.4M credit union headquartered in Saginaw, MI, with 10,639 members and 2 branches in Michigan. Best rates: CDs 4.50% and savings 0.50% APY.
Health Advantage Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#4 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Health Advantage Credit Union
Health Advantage Federal Credit Union is headquartered in Saginaw, Michigan.
- Headquarters
- 4550 State St, Saginaw, MI 48603
- NCUA charter
- 20007
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible to join.
- Employees, independent contractors, or self-employed individuals who regularly work in the Healthcare Industry in the State of Michigan are eligible for membership.
- Retirees from the healthcare industry are eligible to join.
Family and household
- Members of immediate families or households of eligible persons may join.
Other ways
- Organizations of such eligible persons may join the credit union.
- Spouses of persons who have died while within the Healthcare Industry are eligible to join.
Cost to join
- A minimum deposit balance of $5.00 is required to open a share savings account; there is no membership fee.
Branches
2 branches in Michigan
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Michigan
2 branches
Saginaw area · 1
- State St OfficeMain office4550 State St, Saginaw, MI 48603Directions
Midland area · 1
- Midland Office5004 Eastman Ave, Midland, MI 48640Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.92% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio13.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Health Advantage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.